BlockCoop

Link: https://client.blockcoopinvestments.com/

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ID Number: 654321 Password: @Asach444

BlockCoop is transforming cooperatives with a fully automated, decentralized SACCO solution solving governance challenges through innovative guarantor pools, seamless share trading and central liquidity system – enhancing financial inclusion, reducing costs and restoring public trust. We are building a SACCO protocol, a blockchain-powered framework that automates and decentralizes SACCO operations using smart contracts. The protocol eliminates governance inefficiencies, enhances transparency and ensures seamless financial interactions.

BlockCoop’s Guarantor Pools are decentralized, smart contract–driven liquidity vaults that automate SACCO loan guarantees without the need for traditional guarantors. Instead of requiring members to manually co-sign loans, borrowers tap into an automated guarantor pool - a liquidity pool maintained on the platform into which members contribute funds to back guarantee contracts. Each borrower is assigned a trust score, calculated from their financial behavior such as savings activity, loan repayments, and governance participation. Based on this score, the protocol generates a guarantee premium and issues a guarantee contract, which acts as collateral and is fully recognized by the SACCO. In the event of default, the smart contract autonomously executes payouts from the pool, maintaining full transparency and auditability. This mechanism enhances credit access, eliminates bottlenecks, and brings programmable risk management to cooperative lending.

BlockCoop’s automated share trading system tokenizes SACCO shares into digital assets, enabling members to buy and sell them in real time through a decentralized order book backed by a liquidity pool. This ensures instant liquidity, fair price discovery, and on-chain transparency by matching trades peer-to-peer or via an automated market maker when no direct match exists. Every transaction updates the SACCO’s share registry through smart contracts, eliminating delays and manual approvals—making SACCO shares truly liquid, programmable, and accessible.

BlockCoop’s Voting Proposals Module is a decentralized governance system that enables SACCO members to participate in decision-making through on-chain voting, powered by governance tokens. Every member can view, create, or vote on proposals directly from the platform. Proposals are recorded immutably on-chain and governed by smart contracts that enforce quorum rules, proposal lifecycles, and execution outcomes. Voting power may be weighted based on shareholding, contribution, or governance participation, ensuring democratic, transparent, and tamper-proof collective decisions. This module transforms SACCO governance into a DAO-like structure, giving members direct control and visibility over how their cooperative evolves - aligning incentives, reducing opacity, and reinforcing trust.